Kathmandu. Now, up to 80 percent of the loan will be available on the collateral. The Nepal Bank has amended the Unified Directive and has made such a provision . 

With this, people can now take loans up to 80 percent of the fixed value from banks and financial institutions by pledging the shares of companies that are in good financial condition. 

‘Strength on the basis of valuation on the basis of valuation The loan value ratio of the shares of the institution having a high {{} valuation shall be determined in such a way that may be added to the credit value ratio up to a maximum of 10 percent {{} points. “, the directive said. 

The strength of the company will have to be looked at indicators such as paid- up capital size, minimum period of listing of securities , profitability and the status and duration of dividend distribution, credit rating, compliance with the regulatory provisions, whether or not the regular general meeting has been held or not ।

Similarly, the directive of the bank states that once the loan has been issued, the shares in the security of such loan should be re-evaluated and on the basis of that, the bank {{} is not allowed to set additional loan limit or provide additional loans.